What we handle for you.
Medical and emergency cover
Hospitalisation, evacuation and repatriation limits matched to your destination's real healthcare costs.
Trip cancellation and delay
Cover for cancellations, missed connections and delays — with the conditions explained in plain language.
Baggage and documents
Lost luggage, delayed baggage and passport loss, including the paperwork you'll need to actually claim.
Schengen-compliant policies
Schengen visas require minimum cover of €30,000 with specific wording. We make sure the certificate is accepted.
Pre-existing condition review
The most common claim rejection. We check the declaration wording with you rather than letting you tick a box blindly.
Claim support
If something goes wrong abroad, Horizon Concierge helps you document the incident and follow the claim through.
A process you can actually follow.
- 1Trip detailsDestination, dates, ages of travellers and any medical history that matters.
- 2Options explainedWe show two or three suitable policies side by side with the differences that actually affect a claim.
- 3Purchase and certificatePolicy issued and the certificate sent to you — visa-ready where the mission requires it.
- 4Support if you claimWe stay reachable through the trip and help assemble claim documentation if you need it.
Questions we get most often.
Is travel insurance mandatory?
For Schengen countries, yes — a compliant policy is part of the visa file. For most other destinations it's optional but strongly advisable given overseas medical costs.
Can I buy it after booking flights?
Yes, but cancellation cover is most useful when bought close to booking. Medical cover can be added any time before departure.
Do you sell the policy yourself?
We arrange it through licensed insurers and explain the terms. The policy contract is always between you and the insurer.